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Forecast for the week of July 8, 2024

Please enjoy this complimentary mortgage rate forecast provided to keep you informed of where interest rates may be headed, and to help you gain the advantage in securing low rates and payments.

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Last Week's Mortgage Rate Recap:

Rates moved lower


Rates were as volatile last week as expected, moving higher early in the week before falling after the Independence Day holiday. Despite more new jobs created than expected for last month, most of the week's jobs data pointed to a softening labor market, supporting the idea that the Fed could start cutting rates in September.

This Week's Mortgage Rate Forecast:

Rates could improve, but there is risk


Rates are expected to get at least a little bit better this week as inflation data shows inflation continues to move lower. However, there is risk that if we get a surprise increase in inflation it would push rates higher on the week.

What's affecting rates this week:

  • The Fed: Fed Chair Powell will testify on the economy in front of Congress this week, as he does twice a year. If his comments lead markets to believe the Fed is likely to cut rates this year, it will help hold rates at these levels or improve.
  • Inflation data: Consumer inflation data comes out Thursday and will have the biggest effect on rates this week, with wholesale inflation data coming out on Friday. If inflation continues to show signs of cooling, that will support Fed rate cuts later this year and help mortgage rates.

If you would like to discuss interest rates further or find out the benefits of locking your rate today, please contact your mortgage professional at or .

Interest Rate Forecast and Commentary provided by:


All information provided is for informational purposes only, and we assume no responsibility to any person who relies on information contained in this report, and disclaim all liability in respect to decisions or actions or lack thereof based on any or all of the contents of this report. This is not an offer to lend.

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Hammer Solutions, LLC 260 Leaping Cat Ln Waynesville, North Carolina 28785 United States (828) 565-7300